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Dear Hegemony

The last post in this topic was posted 3095 days ago. 

 

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I've noticed several times now that you refer to the 4 major credit reporting agencies.

 

So... Who's the fourth?

 

Is it Innovis?

 

I recently joined a credit union (SEFCU in Albany, NY) and they pulled my Equifax report upon joining, despite the fact that I was told they would not. A month later, I noticed the hard pull and was quite irritated. Luckily, I had a record of the online specialist confirming that it would not be a hard pull, so I went into a branch and asked them to remove it. A few days later, I received copies of the 4 letters sent out- one each to Experian, Equifax, TransUnion and Innovis. A few weeks later, CCMP confirmed the hard was removed from Equifax.

 

So back to my question. Who is the 4th, and, more importantly, does anyone care about them?

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I'm not Hege, but I can answer some of your questions...

 

The 4th is Innovis.

 

https://www.innovis.com/InnovisWeb/pers_personalServices.html

 

Creditors mostly use them to model their mailing lists. It's not as big of a CRA like EX, EQ, and TU are, however, there are reports of Bank of America/FIA, and GEMB using them. Not sure if there's others.

Edited by TheBanker

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